Automated card information exchange pursuant to a commercial transaction

ABSTRACT

In general, embodiments of the present invention relate to a card and associated methods for automated information (static and dynamic) exchange pursuant to a commercial transaction. In a typical embodiment, the card (e.g., a credit card, a debit card and/or a smart card) comprises an energy component for providing power to the card and a back display (e.g., positioned on the back or magnetic strip side of the card) for displaying card information being used in the commercial transaction. Upon display, a terminal (e.g., a point of sale terminal) will scan/read the card information and generate a corresponding source validation code (SVC). An imager positioned on the back of the card will scan/read the SVC and card validation code (CVC) logic on the card will generate a CVC based on the SVC (e.g., based on a validation result of the SVC). A biometric reader positioned on a front side of the card will take a biometric reading from a user of the card and corresponding user validation code (UVC) logic will generate a UVC based on the biometric reading. The underlying commercial transaction can then be validated (e.g., by a server associated with the terminal or by validation logic on the card itself), a validation result can be displayed on a front display (e.g., positioned on the front side of the card).

FIELD OF THE INVENTION

In general, the present invention relates to transaction processing.Specifically, the present invention relates to a multi-function smartcard and method for automated information exchange pursuant to acommercial transaction.

BACKGROUND OF THE INVENTION

Current identification cards typically use static information for onlineuses. Such static information is generally easy to hack and/orintercept. Additional instruments/hardware for user identification canincrease costs and/or may be unrealistic to use due to the volume ofpotential users/customers and the number of cards processed at any givenpoint of sale.

U.S. Pat. Nos. 7,533,828 and 7,278,581 disclose an electronic creditcard device which includes a keypad, display, speaker, infrared (IR)data input/output (I/O), and radio frequency components.

U.S. Pat. No. 7,205,473 discloses a smart card with an integratedflexible photovoltaic cell or a display module.

U.S. Pat. No. 6,641,050 discloses a smart card that incorporates anelectronic fuse and random number generator to improve userauthentication security functions during financial transactions.

U.S. Pat. No. 6,325,285 discloses a smart card with an integratedfingerprint reader surface.

U.S. Pat. No. 6,050,494 discloses a smart card with an integratedcircuit board, a LCD device, a solar cell unit, and an IC which isconnected to all electrical components of the smart card.

U.S. Pat. No. 4,954,985 discloses a data storage card with an integratedliquid crystal display and a data storage region.

U.S. Pat. No. 4,916,296 discloses a smart card which utilizes “lightmodulated by a spatial light modulating device” to transmit stored data.

U.S. Pat. No. 4,758,718 discloses a secure IC card.

U.S. Patent Application 20090248581 discloses a payment card thatincludes a “display to support card-not-present transactions where nocard reader is available to automate the transaction”.

U.S. Patent Application 20070241183 discloses a similar “user displayfor card-not-present transactions” as 20090248581 but the displayed codeis a personal identification number (PIN) rather than a unique accountnumber.

U.S. Pat. No. 7,814,332 discloses a biometrics payment device thatprimarily deals with voiceprint biometric data.

U.S. Pat. Nos. 7,780,091, 7,690,577, and 7,637,434 disclose a method forregistering biometric information for use in an RFID transponder-readersystem.

U.S. Pat. Nos. 7,677,459 and 6,997,381 disclose a smart card reader withdual card insertion points.

U.S. Pat. No. 7,543,156 discloses a transaction authentication cardwhich uses biometric input and a wireless output.

U.S. Pat. No. 7,500,616 discloses a system and methods for biometricsecurity using multiple biometrics in a system.

U.S. Pat. Nos. 7,451,925, 7,451,924, 7,445,149, 7,438,234 and 7,314,164disclose a system and methods for biometric security.

U.S. Pat. No. 7,341,181 discloses a method for biometric security usinga smartcard.

U.S. Pat. No. 7,277,562 discloses a biometric imaging capture system andmethod.

U.S. Pat. No. 7,172,115 discloses a biometric identification system thatincludes one or more identification devices or cards.

U.S. Pat. No. 6,662,166 discloses a method and device for token-lessauthorization of an electronic payment.

U.S. Patent Application 20100082444 discloses a portable point ofpurchase user interface that can include near field communicationdevices, camera, scanner, and a biometric sensor for acquiring theidentification or payment information.

U.S. Patent Application 20080278325 discloses a programmable RFIDtransponder for transmitting unique identifier data stored in the RFIDtransponder.

U.S. Patent Application 20080040274 discloses a method for making secureelectronic payments using communications devices and biometric data.

U.S. Patent Application 20070033150 discloses a biometric web paymentsystem.

U.S. Patent Application 20060224504 discloses a mobile biometricmerchant transaction device.

U.S. Patent Application 20060170530 discloses a fingerprint-basedauthentication method.

SUMMARY OF THE INVENTION

In general, embodiments of the present invention relate to a card andassociated methods for automated information (static and dynamic)exchange pursuant to a commercial transaction. In a typical embodiment,the card (e.g., a credit card, a debit card and/or a smart card)comprises an energy component for providing power to the card and a backdisplay (e.g., positioned on the back or magnetic strip side of thecard) for displaying card information being used in the commercialtransaction. Upon display, a terminal (e.g., a point of sale terminal)will scan/read the card information and generate a corresponding sourcevalidation code (SVC). An imager/image array positioned on the back ofthe card will scan/read the SVC, and card validation code (CVC) logic onthe card will generate a CVC based on the SVC (e.g., based on avalidation result of the SVC). A biometric reader positioned on a frontside of the card will take a biometric reading (e.g., a fingerprint)from a user of the card, and corresponding user validation code (UVC)logic will generate a UVC based on the biometric reading. The underlyingcommercial transaction can then be validated (e.g., by a serverassociated with the terminal or by validation logic on the card itself),and a validation result can be displayed on a front display (e.g.,positioned on the front side of the card).

A first aspect of the present invention provides a method for automatedcard information exchange pursuant to a commercial transaction,comprising: displaying card information on a display positioned on acard being used in the commercial transaction; transmitting the cardinformation to a terminal associated with the commercial transaction;receiving a source verification code (SVC) via an imager positioned onthe card, the SVC being generated based on the card information;generating a card validation code (CVC) on the card using the SVC;generating a user validation code (UVC) pertaining to a validation a ofuser, the UVC code being generated based on a biometric reading takenvia a biometric reader positioned on the card; and validating thecommercial transaction based on the SVC, the CVC, and the UVC.

A second aspect of the present invention provides a card for automatedcard information exchange pursuant to a commercial transaction,comprising: an energy component for providing power to the card; a firstdisplay for displaying card information being used in the commercialtransaction; an imager for receiving a source verification code (SVC)from a terminal associated with the commercial transaction, the SVCbeing generated based on the card information; card validation code(CVC) logic for generating a CVC based on SVC; a biometric reader fortaking a biometric reading from a user of the card; and user validationcode (UVC) logic for generating a UVC based on the biometric reading.

A third aspect of the present invention provides a card for automatedcard information exchange pursuant to a commercial transaction,comprising: a first display for displaying card information being usedin the commercial transaction to a terminal associated with thecommercial transaction; an imager for receiving a source verificationcode (SVC) from a terminal associated with the commercial transaction,the SVC being generated based on the card information; card validationcode (CVC) logic for generating a CVC based on SVC; a biometric readerfor taking a biometric reading from a user of the card; user validationcode (UVC) logic for generating a UVC based on the biometric reading;validation logic for generating a validation result based on the SVC,the CVC, and the UVC; and a second display for displaying the validationresult.

BRIEF DESCRIPTION OF THE DRAWINGS

These and other features of this invention will be more readilyunderstood from the following detailed description of the variousaspects of the invention taken in conjunction with the accompanyingdrawings in which:

FIG. 1 depicts an RFID configuration according to an embodiment of thepresent invention.

FIGS. 2A-B depicts a front and back of a multi-function card accordingto an embodiment of the present invention.

FIG. 3 depicts the card of FIG. 2 as used pursuant to a commercialtransaction according to an embodiment of the present invention.

FIG. 4 depicts a block diagram of the card of FIG. 2 according to anembodiment of the present invention.

FIG. 5 depicts a method flow diagram according to the embodiment of thepresent invention.

FIG. 6 depicts another method flow diagram according to the embodimentof the present invention.

FIG. 7 depicts another method flow diagram according to the embodimentof the present invention.

FIG. 8 depicts another method flow diagram according to the embodimentof the present invention.

FIG. 9 depicts another method flow diagram according to the embodimentof the present invention.

The drawings are not necessarily to scale. The drawings are merelyschematic representations, not intended to portray specific parametersof the invention. The drawings are intended to depict only typicalembodiments of the invention, and therefore should not be considered aslimiting the scope of the invention. In the drawings, like numberingrepresents like elements.

DETAILED DESCRIPTION OF THE INVENTION

Illustrative embodiments now will be described more fully herein withreference to the accompanying drawings, in which exemplary embodimentsare shown. This disclosure may, however, be embodied in many differentforms and should not be construed as limited to the exemplaryembodiments set forth herein. Rather, these exemplary embodiments areprovided so that this disclosure will be thorough and complete and willfully convey the scope of this disclosure to those skilled in the art.In the description, details of well-known features and techniques may beomitted to avoid unnecessarily obscuring the presented embodiments.

The terminology used herein is for the purpose of describing particularembodiments only and is not intended to be limiting of this disclosure.As used herein, the singular forms “a”, “an”, and “the” are intended toinclude the plural forms as well, unless the context clearly indicatesotherwise. Furthermore, the use of the terms “a”, “an”, etc., do notdenote a limitation of quantity, but rather denote the presence of atleast one of the referenced items. It will be further understood thatthe terms “comprises” and/or “comprising”, or “includes” and/or“including”, when used in this specification, specify the presence ofstated features, regions, integers, steps, operations, elements, and/orcomponents, but do not preclude the presence or addition of one or moreother features, regions, integers, steps, operations, elements,components, and/or groups thereof.

In general, embodiments of the present invention relate to a card andassociated methods for automated information (static and dynamic)exchange pursuant to a commercial transaction. In a typical embodiment,the card (e.g., a credit card, a debit card and/or a smart card)comprises an energy component for providing power to the card and a backdisplay (e.g., positioned on the back or magnetic strip side of thecard) for displaying card information being used in the commercialtransaction. Upon display, a terminal (e.g., a point of sale terminal)will scan/read the card information and generate a corresponding sourcevalidation code (SVC). An imager/image array positioned on the back ofthe card will scan/read the SVC, and card validation code (CVC) logic onthe card will generate a CVC based on the SVC (e.g., based on avalidation result of the SVC). A biometric reader positioned on a frontside of the card will take a biometric reading (e.g., a fingerprint)from a user of the card, and corresponding user validation code (UVC)logic will generate a UVC based on the biometric reading. The underlyingcommercial transaction can then be validated (e.g., by a serverassociated with the terminal or by validation logic on the card itself),and a validation result can be displayed on a front display (e.g.,positioned on the front side of the card).

It is understood that the term “card” as use herein is intended to meanany type of card now known or later developed that can be used pursuantto a commercial transaction. Along these lines, radio-frequencyidentification (RFID) technology could be implemented (e.g., in a smartcard embodiment). As such, this disclosure includes a description ofRFID.

In general, RFID is a technology that incorporates the use ofelectromagnetic or electrostatic coupling in the radio frequency (RF)portion of the electromagnetic spectrum to uniquely identify an object,animal, or person. RFID is coming into increasing use in the industry asan alternative to the bar code. The advantage of RFID is that it doesnot require direct contact or line-of-sight scanning. An RFID systemconsists of three components: an antenna and transceiver (often combinedinto one reader) and a transponder (the tag). The antenna uses radiofrequency waves to transmit a signal that activates the transponder.When activated, the tag transmits data back to the antenna. The data isused to notify a programmable logic controller that an action shouldoccur. The action could be as simple as raising an access gate or ascomplicated as interfacing with a database to carry out a monetarytransaction. Low-frequency RFID systems (e.g., 30 KHz to 500 KHz) haveshort transmission ranges (generally less than six feet). High-frequencyRFID systems (850 MHz to 950 MHz and 2.4 GHz to 2.5 GHz) offer longertransmission ranges (more than 90 feet). RFID is sometimes calleddedicated short range communication (DSRC).

RFID tags and labels (collectively referred to herein as “devices” ortransponders) are widely used to associate an object with anidentification code or other information. RFID devices generally have acombination of antennas and analog and/or digital electronics, which mayinclude, for example, communications electronics, data memory, andcontrol logic. For example, RFID tags are used in conjunction withsecurity locks in cars, for access control to buildings, and fortracking inventory and parcels. As noted above, RFID devices aregenerally categorized as labels or tags. RFID labels are RFID devicesthat are adhesive or otherwise have a surface attached directly toobjects. RFID tags, in contrast, are secured to objects by other means(for example, by use of a plastic fastener, string, or other fasteningmeans).

RFID devices include: (1) active tags and labels, which include a powersource for broadcasting signals; and (2) passive tags and labels, whichdo not. In the case of passive devices, in order to retrieve theinformation from the chip, a “base station” or “reader” sends anexcitation signal to the RFID tag or label. The excitation signalenergizes the tag or label, and the RFID circuitry transmits the storedinformation back to the reader. The RFID reader receives and decodes theinformation from the RFID tag. In general, RFID tags can retain andcommunicate enough information to uniquely identify individuals,packages, inventory, and the like. RFID tags and labels also can becharacterized as those to which information is written only once(although the information may be read repeatedly), and those to whichinformation may be written to repeatedly during use. For example, RFIDtags may store environmental data (that may be detected by an associatedsensor), logistical histories, state data, etc.

Along these lines, RFID devices can be further characterized as passive,semi-passive, and active RFID devices. Passive RFID devices have nointernal power supply. Power for operation of passive RFID devices isprovided by the energy in an incoming radio frequency signal received bythe device. Most passive RFID devices signal by backscattering thecarrier wave from an RF reader. Passive RFID devices have the advantageof simplicity and long life, although performance of them may belimited. In general, the teachings recited herein pertain to passiveRFID technology

Referring now to FIG. 1, an illustrative RFID configuration according tothe present invention is shown. As depicted, configuration 10 shows anRFID transceiver/reader 12 communicating with RFID transponder 14.Transponder 14 can be any type of RFID transponder now known or laterdeveloped. Examples include the aforementioned labels and/or tags. Asfurther shown, RFID reader 12 and RFID transponder 14 will exchange data(e.g., security information, etc.). Under the present invention, thesetypes of components will be leveraged to create a strong passive ad-hocRFID network that is (among other things) capable of communicating overlonger distances and around physical objects.

Referring now to FIGS. 2A-B, a card (e.g., a credit card, a debit cardand/or a smart card) 20 according to an embodiment of the presentinvention is shown. Card 20 can be equipped to communicate in an RFIDmanner using any of the aforementioned description. In any event, asshown, card 20 includes a front side 22 and a back or magnetic stripeside 38. As depicted in FIG. 2A, front side 22 includes card information36, a dynamic display 32 and a biometric reader 30. As shown in FIG. 2B,back side 38 of card 20 includes an energy component 24 (e.g., a solarpanel cell and/or a photon-to-electric energy converter) for providingpower to card 20, an imager/image array 26, and magnetic strip 33. Asfurther shown, embedded within the card, is integratedcircuit/controller 34 and corresponding logic. The functions andinterrelationships between the components of FIGS. 2A-B will bedescribed in conjunction with FIG. 3.

As shown in FIG. 3, when a commercial transaction is being conducted,card 20 will be placed in proximity and/or alignment with a point ofsale terminal 40 or the like (or a display associated therewith), andpowered-up/activated via energy component 24. Card information 36 (e.g.,the card number, expiration, user name, security code, etc.) will thenbe displayed on back display 28, and read by information reader 42 ofterminal 40. Either terminal 40 or a server associated therewith willthen generate a source verification code (SVC) 44 based on the cardinformation and/or historical purchase data associated with card 20. SVC44 (e.g., a 2-D code or 2-D varying with motion) will be displayed onterminal 40 and can be scanned/read by imager 26 on back of card 20.Once read by card 20, card validation code (CVC) logic within the card(e.g., as implemented via integrated circuit 34) will generate a CVC onthe card using the SVC. Specifically, the CVC logic will attempt tovalidate the SVC, and then generate a CVC based on the validationresult. Thereafter, biometric reader 30 will be used to capture abiometric reading (e.g., a fingerprint) associated with a user of card20. Based on the biometric reading user validation code (UVC) logic willgenerate a UVC confirming whether the user is the owner of card 20. Thiscan occur by comparing the biometric reading to one saved locally on thecard. Thereafter, the commercial transaction will be validated based onthe SVC, the CVC, and the UVC. Such validation can occur usingvalidation logic also stored on card 20, and/or via a server associatedwith terminal 40. In either event, a corresponding validation result canbe displayed on front display 32 of card 20.

Referring now to FIG. 4, a block diagram of card 20 is shown. Asdepicted, energy component 24, imager 26, back display 28, biometricreader 30, front display 32, and controller/integrate circuit 34 arecoupled via one or more other components. Such components can include avoltage regulator 52, a capacitor and/or battery 54, and memory 56(e.g., non-volatile) for storing the aforementioned logic (e.g., CVClogic, UVC logic, validation logic, etc.), which is implemented bycontroller 34. As further shown, the card can include an RFID component50 for communicating with the terminal of FIG. 3 via RFID means.

FIGS. 5-9 depict various method/process flow diagrams according to thepresent invention. It is understood that these methods/processes will beimplemented and/or carried out using the teachings recited inconjunction with FIGS. 1-4.

Referring first to FIG. 5, a method for validation based on an SVC andCVC is shown. In step R1, card user input (e.g., billing information) issent to a card company server (via the back display) where it isreceived in step R2. In step R3, the information is cross-referencedagainst a database, and a SVC is generated and sent back to the card(via the imager) where the SVC is received, analyzed and compared tocard memory in step R4. In step R5, a CVC is generated based on avalidation of the SVC. In step R6, the code(s) are passed via the backdisplay to the terminal (e.g., via a terminal camera and/or scanner),and passed to a credit card company server in step R7. In step R8, thecodes are validated against a database, and if successful, thetransaction/checkout is completed in step R9.

Referring now to FIG. 6, a method flow diagram for validating atransaction based on a SCS, CVC, and UVC according to an embodiment ofthe present invention is shown. In step S1, card user input (e.g.,billing information) is sent to a card company server (via the backdisplay) where it is received in step S2. In step S3, the information iscross-referenced against a database, and a SVC is generated and sentback to the card (via the imager) where the SVC is received, analyzedand compared to card memory in step S4. In step S5, a fingerprint iscaptured and used to generate a UVC. In step S6, a CVC is generatedbased on a validation of the SVC. In step S7, the code(s) are passed viathe back display to the terminal (e.g., via a terminal camera and/orscanner), and passed to a credit card company in step S8. In step S9,the codes are validated against a database, and if successful, thetransaction/checkout is completed in step S10.

Referring now to FIG. 7, a method flow diagram for card-basedvalidation/verification of a transaction according to an embodiment ofthe present invention is shown. In step T1, a user begins onlinecheckout pursuant to a commercial transaction. In step T2, card userinformation (e.g., billing information) is input. In step T3, the cardinformation is sent to a card company server. In step T4, the creditcard company will generate the SVC as a 2-D encoded image. In step T5,the website will display the SVC with an alignment marker. In step T6,the user will align the image on the back of the card to the screen. Instep T7, the card is powered-up/activated (via the energy component onthe back of the card). In step T8, the SVC is read (e.g., via the imageon the back of the card) and it is determined whether the SVC is valid.If not, the card displays an unsafe source message (e.g., via the frontdisplay) in step T9. However, if the code was valid, the card willverify the user's information in step T10 (e.g., validate the UVCgenerated pursuant to a fingerprint scan). In step T11, it is determinedwhether the user was valid. If not, the card displays an unknown usermessage in step T12. If the user is valid, the card displays the SVC,CVC, and UVC codes in step T13. Then, in step T14, the terminal imagingdevice locates and transmits the code(s). In step T15, the carddetermines whether the codes are valid. If not, the transaction isrejected in step T16. If the codes are valid, the transaction isapproved.

Referring now to FIG. 8, a method flow diagram for server-basedvalidation/verification of a transaction according to an embodiment ofthe present invention is shown. In step U1, a user begins onlinecheckout pursuant to a commercial transaction. In step U2, card userinformation (e.g., billing information) is input. In step U3, the cardinformation is sent to a card company server. In step U4, the creditcard company will generate the SVC as a 2-D encoded image. In step U5,the website will display the SVC with an alignment marker. In step U6,the user will align the image on the back of the card to the screen. Instep U7, the card is powered-up/activated (via the energy component onthe back of the card). In step U8, the SVC is read (e.g., via the imageon the back of the card) and it is determined whether the SVC is valid.If not, the card displays an unsafe source message (e.g., via the frontdisplay) in step U9. However, if the code was valid, the card willverify the user's information in step U10 (e.g., validate the UVCgenerated pursuant to a fingerprint scan). In step U11, the SVC, CVC,and UVC are displayed on the card (via the back display). In step U12,the terminal locates the code(s) and transmits the same to an associatedserver. IN step U13, it is determined by the server whether the user wasvalid. If not, the transaction is rejected in step U14. If the code(s)are valid, the transaction is validated and approved in Step U15.

Referring now to FIG. 9, a method flow diagram for automatic informationexchange according to an embodiment of the present invention is shown.In step V1, a user begins online checkout pursuant to a commercialtransaction with an automated mode. In step V2, a guide message isdisplayed on a terminal screen. In step V3, the user aligns the cardwith the screen and the card is powered-up/activated. In step V4, thecard generates card information (e.g., card number and/or billinginformation) and displays the same on the back display. In step V5, theterminal camera reads the card information and transmits the same to thecard company. In step V6, the card company generates and provides theSVC, which is displayed on the terminal's screen. In step V7, the imageron the back of the card reads the SVC code. In step V8, the SVC logic inthe card memory validates the SVC. In step V9, if the SVC is invalid, an“unsafe source” message is displayed (e.g., on the front display). Instep V10, the card receives and attempts to verify user informationtaken with the biometric reader on the front of the card. IN step V11,it is determined whether the user is valid. If not, the front displaywill display an “unknown user” message in step V12. If the user wasvalidated, the card's back display will display the SVC, UVC, and CVC(generated based on a validation result of the SVC) in step V13. Thisinformation can be located and read by the terminal, which will transmitthe same to an associated server in step V14. In step V15, it isdetermined whether the code(s) were valid. If not, the transaction isrejected in step V16. If the code(s) are valid, the transaction isvalidated and approved in V17.

The foregoing description of various aspects of the invention has beenpresented for purposes of illustration and description. It is notintended to be exhaustive or to limit the invention to the precise formdisclosed and, obviously, many modifications and variations arepossible. Such modifications and variations that may be apparent to aperson skilled in the art are intended to be included within the scopeof the invention as defined by the accompanying claims.

What is claimed is:
 1. A method for automated card information exchangepursuant to a commercial transaction, comprising: powering a card beingused in the commercial transaction by a photon-to-electric energyconverter; displaying card information on a dynamic visual displaypositioned on the card; transmitting, via a radio frequencyidentification (RFID) component, the card information to a terminalassociated with the commercial transaction using the dynamic visualdisplay; receiving, from a website, a source verification code (SVC)with an alignment marker via an imager positioned on the card, the SVCbeing an encoded 2-dimensional image generated based on the cardinformation; aligning the card with a screen of the terminal accordingto the alignment marker; generating a card validation code (CVC) on thecard using the SVC; generating a user validation code (UVC) pertainingto a validation a of user, the UVC code being generated based on abiometric reading taken via a biometric reader positioned on the card;and validating the commercial transaction based on the SVC, the CVC, andthe UVC.
 2. The method of claim 1, further comprising: aligning the cardwith the terminal pursuant to the commercial transaction; and activatingpower on the card in response to the aligning, prior to the displaying.3. The method of claim 1, the card information comprising a card numberand billing information associated with the card.
 4. The method of claim1, the SVC being generated based upon historical transactional dataassociated with the card.
 5. The method of claim 1, the card being atleast one of the following: a credit card, a debit card, or a smartcard.
 6. The method of claim 1, the validating comprising generating avalidation result on the card.
 7. The method of claim 1, the validatingoccurring on a server associated with the terminal.
 8. A card forautomated card information exchange pursuant to a commercialtransaction, comprising: an energy component for providing power to thecard, the energy component comprising a photon-to-electric energyconverter; a first dynamic visual display for displaying cardinformation being used in the commercial transaction; an imager forreceiving a source verification code (SVC) from a terminal associatedwith the commercial transaction, the SVC being a 2-dimensional codewhich varies with motion generated based on the card information; aradio-frequency identification device (RFID) component for communicatingwith the terminal; an integrated circuit comprising card validation code(CVC) logic for generating a CVC based on the SVC; a biometric readerfor taking a biometric reading from a user of the card; and uservalidation code (UVC) logic for generating a UVC based on the biometricreading.
 9. The card of claim 8, further comprising validation logic forgenerating a validation result based on the SVC, the CVC, and the UVC.10. The card of claim 8, further comprising a second display fordisplaying the validation result, and wherein the first display isconfigured to display the SVC, the CVC, and the UVC in response to thegeneration of the validation result by the validation logic.
 11. Thecard of claim 9, CVC logic, the UVC logic, and the validation logicbeing enabled by an integrated circuit.
 12. The card of claim 8, theenergy component comprising a solar panel cell.
 13. The card of claim 8,the energy component comprising a photon-to-electric energy converter.14. The card of claim 8, the SVC being generated based upon historicaltransactional data associated with the card and the card informationdisplayed via the first display.
 15. The card of claim 8, the card beingat least one of the following: a credit card, a debit card, or a smartcard.
 16. A card for automated card information exchange pursuant to acommercial transaction, comprising: an energy component comprising aphoton-to-electric energy converter for powering a card being used inthe commercial transaction; a first dynamic visual display fordisplaying card information being used in the commercial transaction toa terminal associated with the commercial transaction; a radio frequencyidentification device (RFID) component for communicating with theterminal; an imager for receiving a source verification code (SVC) froma terminal associated with the commercial transaction, the SVC being anencoded 2-dimensional image generated based on the card information; anintegrated circuit comprising card validation code (CVC) logic forgenerating a CVC based on the SVC; a biometric reader for taking abiometric reading from a user of the card; user validation code (UVC)logic for generating a UVC based on the biometric reading; validationlogic for generating a validation result based on the SVC, the CVC, andthe UVC; and a second display on the card for displaying the validationresult where the validation result is viewable on the second display toa user of the card; wherein the first display is configured to displaythe SVC, the CVC, and the UVC in response to the generated validationresult by the validation logic.
 17. The card of claim 16, furthercomprising an energy component for providing power to the card.
 18. Thecard of claim 16, CVC logic, the UVC logic, and the validation logicbeing enabled by an integrated circuit.
 19. The card of claim 16, theenergy component comprising at least one of a solar panel cell, or aphoton-to-electric energy converter.
 20. The card of claim 16, the cardbeing at least one of the following: a credit card, a debit card, or asmart card.